Annual Percentage Rate is accurate as of effective date listed. Real estate closing costs/fees vary based on loan amount, location and type of loan. Taxes and insurance premiums not included in payment. Actual payment obligation will be greater.

*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) is accurate as of effective date listed and my vary quarterly. The APR is based on the Wall Street Journal Prime Rate. The maximum APR that may apply is 18%. Loan fees and closing costs may vary between $200-$600. Other restrictions may apply. All loans subject to approval. Please call LINCONE for payment information and examples: 402.441.3555

**Overdraft/Line of Credit:
Interest is charged from the date of the loan advance, and interest is
charged on the balance on your account each day. There is a late payment
fee of $35.00. The Annual Percentage Rate (APR) may vary and is determined
by adding a margin of 5.00% APR to the Prime Rate as established
in the Wall Street Journal.

Savings, Checking, and Certificate Rates

Note: The fees for specific accounts are listed along with the rates on this page.
If you would like to see a complete listing of LINCONE
Federal Credit Union fees, please view them here.

Effective January, 1995, the Truth In Savings Act requires Credit Unions to use standard calculations and
disclosures to enable members to comparison shop for Credit Union products. We are providing the
following disclosure so that we may be in compliance with this Act.

APY = Annual Percentage Yield
All rates subject to change without notice and accurate as of the last dividend declaration date.

Rates may change after the account is opened. Fees and Early Withdrawal Penalties may lower the earnings on this account.

Early Withdrawal Penalties
We may impose a penalty if you withdraw any of the principal in your account
before the maturity date. Penalties are calculated as follows:

6 - 11, 12-17, 18, 23, 24 - 35, and 36 month maturities
We may impose a penalty if you withdraw any of the principal in your account before the maturity date. The penalty will equal
90 days dividend on the amount withdrawn.

3 month maturities
We may impose a penalty if you withdraw any of the principal in your account before the maturity date.
The penalty will equal 30 days dividend on the amount withdrawn.

Renewal Policies
Your account will automatically renew on its maturity date. There is a 10 day grace period preceding
and a 7 day grace period following the maturity of this account.

Bonuses
There are no bonuses associated with this account.

Transaction Limitations
After the account is opened, you may make deposits into the account until the maturity date stated on the share certificate.

Accrual of Dividends
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Compounding and Crediting
Dividends will be compounded monthly and will be credited to this share certificate account. The dividend period is monthly.

Minimum Balance Requirements
The minimum balance required to open an account is $500.00.

Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. "Daily" means that a daily periodic rate is applied to the principal
in the account each day.

Par Value of Shares; Dividend Period
The par value of a regular share in this Credit Union is $5. The dividend period of the Credit Union is (monthly), beginning on
the first day of the month and ending on the last day of the month.

Insurance
Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to
withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of
a loan officer, except to the extent that such shares exceed the member's total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the
credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent,
without the written approval of a loan officer.

This account is a Variable Rate Account. The Dividend Rate and Annual Percentage Yield (APY) may
change daily. As of , your Money Market Account will earn dividends
according to the following schedule:

Balance Limits

APY

$0.00 - $ 2,499.99 (aver. daily balance)

0.05%

2,500.00 - $ 4,999.99 (aver. daily balance)

0.10%

$5,000.00 - $ 24,999.99 (aver. daily balance)

0.10%

25,000.00 - $ 49,999.99 (aver. daily balance)

0.10%

$50,000.00 - $ 99,999.99 (aver. daily balance)

0.15%

$100,000.00 & greater (aver. daily balance)

0.15%

Rates may change after the account is opened. Fees may lower the earnings on this account.

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to
reserves at the end of a dividend period.

Compounding and Crediting
Dividends will be compounded monthly and will be credited to your account monthly. If you close this account before dividends are paid,
you will receive the accrued dividends.

Minimum Balance Requirements
The minimum balance to open this account is $2,500.00. If the balance falls below the $2,500.00 minimum, you may be charged a fee as
shown under "Fees and Charges".

Balance Computation Method
Dividends on this account are calculated using the Average Daily Balance method. This method applies a periodic rate to the average daily
balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the
period and dividing that figure by the number of days in the period.

Date Dividends Accrue
Dividends will begin to accrue on the business day you deposit non-cash items to your account.

Transaction Limitations
Up to six (6) transfers are permitted per month at no charge, three (3) of which can be by check (i.e. each withdrawal by check in excess of
three (3) per month is charged as shown in the fee schedule). Each withdrawal or transfer in excess of six (6) per month is charged as shown
under "Fees and Charges."

Insurance
Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to
withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written
approval of a loan officer, except to the extent that such shares exceed the member's total primary and contingent liability to the credit
union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the
credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent,
without the written approval of a loan officer.

This account is a Variable Rate Account. The dividend rate and Annual Percentage Yield (APY) may
change every month as determined by the Credit Union board of directors. As of , your Primary/Club Savings
Account will earn dividends according to the following schedule:

Balance Limits

APY

$0.00 - $ 24.99 (aver. daily balance)

0.00%

25.00 - $2,499.99 (aver. daily balance)

0.05%

$2,500.00 - $24,999.99 (aver. daily balance)

0.05%

25,000.00 - $49,999.99 (aver. daily balance)

0.05%

$50,000.00 + (aver. daily balance)

0.05%

Rates may change after the account is opened. Fees may lower the earnings on this account.

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Compounding and Crediting
Dividends will be compounded monthly and will be credited to your account monthly. If you
close this account before dividends are paid, you will receive the accrued dividends.

Minimum Balance Requirements
The minimum balance to open this account is $25.00. You must maintain a minimum daily
balance of $25.00 to earn dividends on this account.

Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. "Daily"
means that a daily periodic rate is applied to the principal in the account each day.

Date Dividends Accrue
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

Transaction Limitations
During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by
means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of these may be made by check, draft,
debit card, if applicable, or similar order. If you exceed these transfer limitation set forth above, your account may be subject to a fee or
may be closed.

Par Value of Shares; Dividend Period
The par value of a regular share in this Credit Union is $5. The dividend period of the Credit Union is monthly, beginning on the first
day of the month and ending on the last day of the month.

Insurance
Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to
withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval
of a loan officer, except to the extent that such shares exceed the member's total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the
credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent,
without the written approval of a loan officer.

This account is a Variable Rate Account. The dividend rate and Annual Percentage Yield (APY) may change every
month as determined by the Credit Union board of directors. Rate as of , are as follows:

Balance Limits

APY

$0.00 - $ 9,999,999.99

0.05%

Rates may change after the account is opened. Fees may lower the earnings on this account.

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Compounding and Crediting
Dividends will be compounded monthly and will be credited to your account monthly. If you
close this account before dividends are paid, you will receive the accrued dividends.

Minimum Balance Requirements
The minimum balance to open this account is $0.00. You must maintain a minimum daily
balance of $0.00 to earn dividends on this account.

Balance Computation Method
Dividends on this account are calculated on the Average Daily Balance method.
"Average Daily Balance" means that the Average Daily Balance is calculated
by adding the principal in the account for each day of the period and dividing
that figure by the number of days in the period.

Date Dividends Accrue
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

Transaction Limitations
No transaction limitations apply to this account.

Par Value of Shares; Dividend Period
The par value of a regular share in this Credit Union is $5. The dividend period of the Credit Union is monthly, beginning on the first
day of the month and ending on the last day of the month.

Insurance
Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to
withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written
approval of a loan officer, except to the extent that such shares exceed the member's total
primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the
credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent,
without the written approval of a loan officer.

This account is a Variable Rate Account. The dividend rate and Annual Percentage Yield (APY) may
change every month as determined by the Credit Union board of directors. As of ,
your IRA Share Account will earn dividends according to the following schedule:

Balance Limits

APY

All Balances

0.25%

Rates may change after the account is opened. Fees may lower the earnings on this account.

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Compounding and Crediting
Dividends will be compounded monthly and will be credited to your account monthly. If you close
this account before dividends are paid, you will receive the accrued dividends.

Minimum Balance Requirements
The minimum balance to open this account is $0.00. You must maintain a minimum daily balance
of $0.00 to earn dividends on this account.

Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. "Daily" means that a
daily periodic rate is applied to the principal in the account each day.

Date Dividends Accrue
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

Transaction Limitations
During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by
means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of these may be made be check, draft,
debit card, if applicable, or similar order. If you exceed these transfer limitations set forth above, your account may be subject to a
fee or may be closed.

Par Value of Shares: Dividend Period
The par value of a regular share in this Credit Union is $5. The dividend period of the Credit Union is monthly, beginning on the first day of
the month and ending on the last day of the month.

Insurance
Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to
withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of
a loan officer, except to the extent that such shares exceed the member's total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the
credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a
comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.